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Ask The Get Out of Debt Experts

Need a Consolidation Program for Multiple Payday Loans in Default. – Kelly

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“Dear Steve, Steve, I currently have several online payday loans currently in default. I am wondering if their are any reputable payday loan consolidation programs available online? My credit is poor which prohibits me from taking out traditional loans to cover these debts. Thank You, Kelly” Don’t miss our free Get Out of Debt – “How To” Guide Series on ... Read More »

I Thought CCCS UK Was Supposed to Help Me But They Made Things a Mess. – Adele

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“Dear Steve, I am currently under the CCCS and have been for 5 years now. Since I started my Debt Mangagement Plan, I have moved home on serveral occasions, therefore along the way my old bank (of which I have a a loan with), not being able to contact me. As far as I am aware, I emailed every one ... Read More »

Zwicker and Associates is a Pain to Work With. – Tommy

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“Dear Steve, As with most of the folks I’ve seen on multiple sites, I’m dealing with Zwicker and Associates. The feedback is VERY contradicting, some saying they are not a true law firm and can be ignored. I chose the opposite route and am paying them monthly, however, I am very skeptical that my money is even bringing the ‘balance’ ... Read More »

We Got a 1099-C Five Years After We Lost Our House. – Eva

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“Dear Steve, We are in a situation out of our control. We had a forclosure do to the drop in market. We tried to short sale only to be denied after 6 months by the lender. There was a 2nd mortgage on the property. This whole process took place in 2005. Then in 2007 the 2nd wrote a cancellation of ... Read More »

We Have an IRS Payment Plan But My Husband Just Died. What Do I Do? – Maggie

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“Dear Steve, My husband recently passed away. I know I have to file taxes for him and I since we were married, but my question is do I still have to pay any taxes that we owed from previous years. He was making a payment once a month. Do I have to continue to do that? How do I find ... Read More »

I Went to School to Become a Psychologist But My Student Loans Are Too Much to Deal With. – Steve

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“Dear Steve, My wife and I have managed to amass over 300k in mostly student loan debt. She has a good job as a school psychologist, and I am currently taking care of our 2 young children (6 and 1). I went to school to become a psychologist , but was ultimately forced to stay at home with our children ... Read More »

Our Attorney Wants to Charge Us to Convert Our Case From a Chapter 13 Bankruptcy to a Chapter 7 Bankruptcy. – Cody

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“Dear Steve, My wife and I filed Chapter 13 in Sept. of 2010. We decided to only have my check garnished, since I make the most money in the household. We were struggling to get by with most of my check being garnished. But then, in December of 2011, things got real bad. My wife lost her job and has ... Read More »

Falling Behind and Living Check to Check. What Should I Do?

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“Dear Steve, I have too many bank loans from various financial institutions. I have falling behind and I am living check to check to the point where it is hard to pay my bills. Can I consolidate the loans or is that a bad option. I really don’t want to get more loans I don’t know what to do. Omari” ... Read More »

Should I Just Wait for My Social Security Income to be Garnished for the Student Loans? – Mari

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“Dear Steve, I am 69 years old and live on Social Security. I returned to school 2 years ago and recently graduated with an Associates of Science degree. I have difficulty in finding a job in my field which is Early Childhood Education. Additionally, I have arthritis on my left hip and my left knee and leg pain terribly to ... Read More »

Is World Law Group Legitimate? – Jeff

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“Dear Steve, I have a relative who has engaged World Law Group to help negotiate down his credit card debt I’m wondering if there is any way to know if this group is legitimate and if there is a general recommendation regarding this firm versus other firms of this type. Jeff” Don’t miss our free Get Out of Debt – ... Read More »

I Have a Really Old Judgment Against Me. When Will it Vanish Off Credit Report?

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“Dear Steve, I had a auto loan in which the car was wrecked a month after I got it thanks to the hubby in Tennessee. The car had no insurance on it to cover it when it was totaled so I was sued when I didn’t continue to make payments and they won by default cause I didn’t show cause ... Read More »

Debt Restructure Group and Next Generation Debt Settlement is a Scam. I Want Revenge. – Joe

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“Dear Steve, Debt Restructure Group, Next Generation Debt, Scam!!!!! Phony addresses, no service, lie, No response. Experiencing almost in exact detail what others have posted about these companies. How can we stop them! I’ve stopped the bleeding but now I want revenge…for the people! Joe” Don’t miss our free Get Out of Debt – “How To” Guide Series on a ... Read More »

What Should I Expect When I Settle My Debts? – Tes

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“Dear Steve, I have several collections & charge-offs on my credit report. I am getting ready to have some money to hopefully pay off several of these. Today, I have contacted 5 or 6 of the companies by telephone. For one, I was told they would settle for almost half. Some of the creditors – mainly collection agencies or attorneys ... Read More »

Macy’s Won’t Settle With Me on My Past Due Account

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“Dear Steve, I have defaulted on a Macy’s Account. I have sent multiple letters explaining my situation and wanting to try to settle etc, but they just keep sending bills and will not respond to my request. Steve, I wanted to know what I should try to do next. My husband was laid off from work last year suddenly around ... Read More »

Can I Get My Repossessed Truck Back if I File Bankruptcy? – Melissa

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“Dear Steve, Truck repoed yesterday and they want us to pay 22,000 in 10 days is it true if we file for bankruptcy we can ask for the truck back or is there anyway we can get it back we dont have that much and its our only means of transportation for my 3 kids Melissa” Don’t miss our free ... Read More »

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